8 loan types · Bhadra 2083 rates
Types of loans in Nepal
Nepal's commercial banks offer 8 main types of loan: home loan, auto loan, personal loan, education loan, gold loan, business loan, consumer EMI loan, professional loan. On Bhadra 2083 rates the cheapest is an auto loan from Nepal Bank Limited at 4.92%. Every rate below is the bank's base rate plus its published premium.
Effective from: Bhadra 2083
Home Loan
घर कर्जा
Buy, build or renovate. Up to 25 years, up to 70% of property value.
from · Nabil Bank
4.96%
Auto Loan
सवारी कर्जा
Cars and other vehicles, including EVs. EVs get higher financing under NRB rules.
from · Nepal Bank Limited
4.92%
Personal Loan
व्यक्तिगत कर्जा
No collateral for salaried borrowers. Money in 3 to 7 days.
from · Laxmi Sunrise Bank
5.82%
Education Loan
शिक्षा कर्जा
Study in Nepal or abroad with a moratorium while you study.
from · Rastriya Banijya Bank
5.14%
Gold Loan
सुन कर्जा
Same-day cash against your gold. Up to 70% of value.
from · Laxmi Sunrise Bank
6.32%
Business Loan
व्यवसाय कर्जा
Working capital and term loans for SMEs, with subsidised schemes.
from · Everest Bank
5.17%
Consumer & EMI Loan
उपभोक्ता ईएमआई कर्जा
Phones, laptops and appliances on monthly EMI.
from · Everest Bank
5.17%
Professional Loan
पेशागत कर्जा
For doctors, engineers, CAs and lawyers setting up practice.
from · Everest Bank
5.17%
Common questions
What types of loans do banks in Nepal offer?+
Commercial banks offer 8 main types: home loan, auto loan, personal loan, education loan, gold loan, business loan, consumer EMI loan, professional loan. Each is priced as the bank's base rate plus a premium that depends on the product.
Which type of loan has the lowest interest rate?+
On Bhadra 2083 rates, the lowest effective rate is on an auto loan from Nepal Bank Limited, at 4.92%. Rates can change every month.
Which loan is easiest to get?+
Loans secured on something the bank can value quickly: a gold loan, or a loan against a fixed deposit. There is no property to assess, so they are usually decided fastest.
Can I get a loan without collateral?+
Usually only as a personal or professional loan, and mostly if your salary is paid into an account with the same bank. Home, auto, education and business loans are secured on the property, the vehicle or other collateral.
What is a loan called in Nepali?+
Banks use कर्जा (karja); ऋण (rin) is also common. A home loan is घर कर्जा (ghar karja) and a gold loan is सुन कर्जा (sun karja).